1.2.4.1. Nhdn to khach quan
(1) Mbi triton kink to xd Is i
Wit nen kinh to on dinh, phat trien se tao ca hOi ma rang vi phat trien cho vay tieu ding KHCC. Khi cic doanh nghiep lam An tat, ma rang kinh doanh, khien cho cic
ca nhfin c6 them viec lam, tang thu nhip, gia tang nhu thu fieu ding hang boa_ dich vas.... tao dieu kien cho san phim vay tieu ding co ca hoi phat trien. Ngugc lai khi nen
kinh to phit trien chasm chap, kh8ng on dinh, nhu eau vay von se gram, khi ning hip thy von dm nen kinh to &tin sut, ngan hang du thira mOt Itryng van lem, Ichich hang lchong CO nhu cAu hoc cat giam nhu eau tieu ding, tir 46 lam chasm 1a1 sy phit trial cho vay tieu dung KHCC.
(2) Mei trwong pluip ly
Li bin tay hau hinh cim Nhi nuac tic dOng vao nen kinh te, nhim being nen kinh to phit trial theo mOt myc tieu, the dO dm mirth. Mai twang phip ly khong chit che, nhieu khe ha vi bit cop se tao ca hOi cho cic doanh nghiep lam An bit chink, lira dao, khien cuelc sang vi thu nhip cua cic ci nhan bip berth, kung an clink khien ale nhi dAu hr kh8ng manh dart du tir vao linh vtrc meri, ngtrai din thi e de trong St chi
tieu, cic yeu t6 Ay phin nio lim giam vi ngfin chin sy phit trien cho vay tieu dung nog chung vi cho vay tieu ding KHCC not rieng.
(3) Dgo iltir nye& vay
Da la khach hang CA 'than thong thu?mg hay KHCC, thi yen de dao dirc luon la yeu t6 dau tien tic dOng toi ket qui elm khoin vay. Khofin cho vay co tot kh8ng, co chit lugng vi co kha niing phit trien hay kung, dau dya vao sy hap tic giva ngan hang vi khich hang. Neu khich hang khong co thien chi thi se rat kh6 khan trong viec thim dinh khich hang vi thu hal nq khich hang. Sy thieu thien chi dm khich hang the hien trong viec khong cung cap day di" thong tin, dtm thong tin sai lech hay do tinh lira dim chiem dyng yen trai yeti phip luast, ca firth hoc glair tiep lam inh huang tai van cua ngin hang. NhCmg hank vi nay cua khich hang deu mang 10 ',hang Mn that vi rai ro cho ngfin hang trong hoat dOng cho vay tieu dimg. Tir nhang hinh vi xiu xuit phit tir dao dire ngtrai vay, se lam chasm qui trinh phit trien cua cho vay tieu ding KHCC, inh huang xiu ten ket qui hoat dOng kinh doanh cua ngfin hang.
(4)Ndng ler tdi chink Call Hutch hang cao cap vay van
Trong hoat dOng cho vay tieu ding, khi nAng tai chinh cua KHCC dong vai tr6 25
kha quan tong trong viec phut trien sin phim cho vay. Neu ICI-ICC c6 kha nAng ve tai chinh, nguan thu nhap On dinh va ben vdmg thi mai dam bao str chi tra nq cho ngan hang, ngfin hang mai c6 nguan thu, c6 lqi nhuan de ma rOng vi phut trien cho vay tieu dung. Nguqc lai, neu nang lye tai chinh coa KHCC khong on dinh, se lam inh huang toi viec chi tra cac khoan nq, tra lai hang thing dm khach hang, ngan hang se ce kha nAng ten that mOt khoan yen kha Ian khi cho KHCC vay. Dieu nay lam anh huang teri su phut trien cna sin phlm, KHCC phai c6 kha nang tra nq, thi ngan hang meri ce co
hpi phut then va me reng hoat Ong kinh doanh cua minh. Neu KHCC thong ce kha nAng tra cac khoan lai, gac vay cho ngan hang, thi Iqi nhuan cua ngfin hang se giam sut vi kW) c6 co hOi ma rOng va phut trien.
(5) Rai ro trong cuPc sang, cung viec caa kluich hang cao cap
Viii bat cir doi tucmg khich hang nao ding Vey, viec phut trien kinh doanh vi hoat dOng kinh doanh trong cuOc sang deu co nguy co gap rui ro. Tat ca cac linh vim nett khOng duqc quart tri tot, thi deu co khi nang that bai, cung viec kinh doanh vi dal song elm KHCC li yeti to inh htrOmg true tiep den kha nang tra nq cho ngan hang. Neu Bari sang KHCC c6 On dinh, nguen thu ce on dinh lanh mph thi kha nAng chi tra nq, lai cho ngfin hang cling se tang cao, it rid ro. Vi nguqc lai, khi cu'Oc song cua KHCC bi anh htrang boi nhieu yeu to tic dOng ben ngoii, thi KHCC se to la trong viec quan 19 cac man nq cua nem hang. lir da, ngan hang se phai quan 19 cac m6n nq nhieu ham, nli ro thu hai nq cung tang, sin phArn cho vay tieu dung KHCC se thong mang lai Icri nhuan cho viec kinh doanh cua ngAn hang, lam giam str phut then cho vay tieu dimg KHCC.